686 Morgan Way, El Cajon, CA 92020 Property Records

San Diego County property record for 686 Morgan Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1990
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (May 2021)
Tax Bill	$9,144 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`492-290-11-00`

Property Details

APN / Parcel Number

Primary APN	`492-290-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tar & Gravel
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	686 MORGAN WAY
City	EL CAJON
State	CA
Zip	92020-7340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 77 TR 003227
Legal Subdivision	CHASE MEADOWS
Legal Tract	003227
Legal Block	3
Legal Lot Number	77
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3007
Census Tract	15902

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	686 MORGAN WAY, EL CAJON, CA 92020-7340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Grant Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2021 · Amount on Record
Deed Sale	May 19, 2021 · Amount on Record
Prior Sale	Oct 26, 1990 · Amount on Record
Deed Document Number	2021381897
Prior Transfer Date	Dec 20, 2004
Prior Transfer Doc	0000003816
Record Updated	Oct 29, 2026

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 19, 2021
Property Address	686 MORGAN WAY, EL CAJON, CA 92020-7340
Document Number	0000381897
Map Reference	MAP 3227
Instrument Date	Apr 26, 2021
Instrument	2021-0381897
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	686 MORGAN WAY, EL CAJON, CA 92020-7340
Investor	Possibly a Property Investor

Mortgage

Document Number	0000381898
Date	May 19, 2021
Instrument	2021-0381898

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	686 MORGAN WAY, EL CAJON, CA 92020-7340
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000268055
Date	May 27, 2020
Instrument	2020-0268055

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	El Cajon City
Elementary School District	Cajon Valley Union Elementary School District (KG - 08)
Secondary School District	Grossmont Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$684,527 (+2%) Land $496,834 Building $187,693
2025	$9,144.00 (+7.58%)	$671,106 (+4.04%) Land $487,093 Building $184,013
2023	$8,500.00 (-4.56%)	$645,048 Land $468,180 Building $176,868
2022	$8,906.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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